1. Medical Benefit Overview

2.  Health Care Reform  Employee Benefit Plans  Health Savings Accounts (HSA’s)  Open Enrollment

3. Offer coverage to full-time employees Imposed taxes / fees on benefit plans offered by employers All individuals are required to have health insurance Health Care Reform 3

4.  Full-time employees are eligible  Offered by Blue Cross Blue Shield of Michigan (BCBSM) and OnStaff  BCBSM offers additional benefits to members  Benefit plan is compatible with a Health Savings Account (HSA)

5. Deductible: the amount of eligible expenses a member must pay each year before the health plan will make payment for eligible benefits. Note: The full family deductible must be met under a two-person or family contract before benefits are paid for any person on the contract. Coinsurance: a fixed percentage amount that a member is responsible to pay. Coinsurance applies after your annual deductible has been met. Out-of-Pocket Maximum (OOPM): the maximum amount a member pays in a calendar year. The OOPM includes deductibles and coinsurance. 5 Definitions

6. CoverageIn-NetworkOut-of-Network Deductible (Single / Family) $6,350 / $12,700$12,700 / $25,400 Coinsurance100%80% Out-of-Pocket Maximum (Single / Family) Includes deductible and coinsurance $6,350 / $12,700$15,000 / $30,000

7. CoverageIn-NetworkOut-of-Network Preventive Care100%Not covered Office Visit 100% after deductible 80% after deductible Urgent Care 100% after deductible 80% after deductible Emergency Room 100% after deductible 100% after network deductible Prescription 100% after deductible 80% after deductible Hospital 100% after deductible 80% after deductible

8.  Search the BCBSM PPO Network online at www.bcbsm.com (Note: For employees who reside outside of Michigan, search the BCBS national network at www.bcbs.com)www.bcbs.com  Contact BCBSM’s customer service  Ask the biller at your doctor’ office

9.  BCBSM.com allows members to:  View benefit coverage  Review claims  App for your mobile device  Order ID cards Note: For those who live outside of Michigan, you will still access your member benefits through BCBSM.com  Nurse available 24/7  Healthy Blue Xtras

10.  Plan being offered is qualified high deductible health plan (HDHP)  Health Savings Accounts (HSA’s) are tax-advantaged savings accounts that can accompany a HDHP  Allows you to save money to cover health expenses  Account grows through tax-deferred investment earnings  Funds remain in the account from year to year, just like an IRA

11.  Maximum contribution amounts for 2015  Single - $3,350  Family - $6,650  HSA Vendors  Lake Michigan Credit Union – (800) 242.9790  HSA Authority – (888) 472.8697  Check your local bank for HSA options Note: In order to contribute to an HSA, you cannot be covered by another type of insurance (unless it’s a dental or vision plan, or another qualified HDHP).

12. ContractMonthly Single$101.29 Two-Person$558.12 Family$753.91

13.  Complete enrollment form if electing benefit plan  Complete waiver form if declining coverage  Your form must be completed and turned in to Human Resources during the orientation period